Side-by-side · Q2 2026 data
Citizens Bank vs Macon Bank and Trust Company
Metric by metric
| Measure | Citizens Bank | Macon Bank and Trust Company |
|---|---|---|
| TellerScore | 92 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 79 | 97 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 82 (stronger) | 74 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 97th | 53rd |
| Total assets | $832.5M | $820.5M |
| Deposits / shares | $716.0M | $751.5M |
| Capital ratio | 16.29% (stronger) | 9.91% |
| Problem loans | 0.62% | 0.08% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 2.05% (stronger) | 1.13% |
| Loans ÷ deposits | 64.4% (stronger) | 67.8% |
| Uninsured deposits | 27.2% (stronger) | 31.4% |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and Macon Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.